Special occasions often call for gift giving: a graduation in May, a wedding in June, an anniversary in July, and birthdays throughout the year. Each event seems to sneak up on us -- and our budgets. Retailers plan for holidays and seasonal sales, so why not do a little gift planning of your own? Here are a few tips for your planning list: Save now. Gift buying will seem more manageable if you've been saving for it a little at a time. Whether you set up a formal gift account